I have a travel set and a combat set plus two skills maxed that I use less often (total of 5 maxed skills due to overlap). I think it's best to get a bunch of skills to 50 to test them out and get the synergy bonuses and also look into movement speed skills. I carry a cloth armor set for travel with pockets and speed buffs and use load outs to quick switch between that and combat.

The need for extra armor sets makes it less appealing to have multiple end game ready skills for me plus the cost of skills/unlock. I found something I really like (hammer/shield) and I'm sticking to that for now. I also plan on doing priest/bard or priest/psych to create a true healer to cover party dynamic options.